Independent rewards research

Find the card that earns the most for your spend.

Deep independent research on Amex, Chase, Capital One, Citi, Wells Fargo, BofA, Discover, US Bank, and Barclays cards. Earning rates, transfer partners, protections — all in one place.

Explore Amex guides Chase cards →
9 Issuers covered
55+ Deep guides
0 Referral links
EN/ES Bilingual
Top earning rates per $1 spent
5×
Airfare (direct or Amex Travel) Amex Platinum
4×
Dining worldwide Amex Gold
4×
U.S. supermarkets Amex Gold
10×
Hotels & rental cars via C1 Venture X
5×
Chase Travel℠ portal bookings Sapphire Reserve
3×
Travel & dining worldwide Sapphire Reserve
3×
Dining, grocery, gas & travel Strata Premier
5×
Rotating categories (Q cap $1,500) Freedom Flex
5%
Rotating quarterly categories Discover it Cash Back
3×
Mobile wallet & travel US Bank Altitude Reserve
6×
JetBlue purchases Barclays JetBlue Plus

Quick card comparison

Best single earning rate per card — see each guide for full category breakdown.

Card Best rate Category Annual fee Points
Amex Gold Card
4×
Dining / Groceries
$325
MR
→
Amex Platinum Card
5×
Airfare (direct / Amex Travel)
$695
MR
→
Chase Sapphire Reserve
3×
Travel & dining worldwide
$550
UR
→
Chase Sapphire Preferred
3×
Dining worldwide
$95
UR
→
Cap1 Venture X
10×
Hotels & rentals via Capital One
$395
Miles
→
Cap1 Venture
5×
Hotels & rentals via Capital One
$95
Miles
→
Chase World of Hyatt
9×
Hyatt hotels (4 base + 5 bonus)
$95
UR
→
WF Autograph Journey
5×
Hotels booked direct
$95
Go Far
→
BofA Premium Rewards Elite
3.5×
Travel & dining (Platinum Honors)
$550
Points
→
Cap1 Savor
3%
Dining, groceries, entertainment
$0
Cash
→
Amex Blue Cash Preferred
6%
U.S. supermarkets (up to $6k/yr)
$95
Cash
→
Discover it Cash Back
5%
Rotating quarterly categories
$0
Cash
→
US Bank Altitude Reserve
3×
Mobile wallet & travel
$400
Points
→
Barclays JetBlue Plus
6×
JetBlue purchases
$99
TrueBlue
→
Amex Hilton Aspire
14×
Hilton stays
$550
Hilton
→
Cap1 Quicksilver
1.5%
All purchases — no categories
$0
Cash
→

Browse by issuer

Choose your rewards ecosystem.

Each issuer guide covers all cards, earning rates, transfer partners, and benefits side by side.

American Express

  • 4×
    Dining worldwide
  • 4×
    U.S. supermarkets
  • 5×
    Airfare (Platinum)
10 guides · MR, SkyMiles, Hilton →

Chase

  • 3×
    Travel & dining (CSR)
  • 5×
    Chase Travel portal
  • 5×
    Rotating categories (Flex)
14 guides · UR points →

Capital One

  • 10×
    Hotels via Capital One
  • 5×
    Flights via Capital One
  • 2×
    All other purchases
6 guides · Miles & Cash →

Citi

  • 3×
    Dining worldwide
  • 3×
    Grocery & gas stations
  • 3×
    Hotels & air travel
3 guides · TY points & AAdvantage →

Wells Fargo

  • 5×
    Hotels booked direct (Journey)
  • 4×
    Flights booked direct (Journey)
  • 3×
    Dining, travel, gas & streaming
2 guides · Go Far Rewards →

Bank of America

  • 3.5×
    Travel & dining (Platinum Honors)
  • 2×
    Travel & dining (base rate)
  • 1.5×
    All other purchases
2 guides · Preferred Rewards →

Discover

  • 5%
    Rotating quarterly categories
  • 1.5×
    Miles on everything (it Miles)
  • 2×
    Effective yr 1 (Cashback Match)
2 guides · Cash & Miles →

US Bank

  • 3×
    Mobile wallet & travel
  • 5×
    Prepaid hotels via Altitude Center
  • 5%
    2 chosen categories (Cash+)
2 guides · Points & Cash →

Barclays

  • 6×
    JetBlue purchases
  • 6×
    Wyndham & gas (Earner Plus)
  • 4×
    Dining & grocery
2 guides · TrueBlue & Wyndham →